PIUTANG ATAS NAMA SEBAGAI OBYEK JAMINAN FIDUSIA

Before the enactment of Law No. 42 of 1999 concerning fiduciary, the fiduciary object is limited to moving objects only but after the enactment of the law fiduciary, the fiduciary larger objects, ie moving objects both tangible and intangible, including accounts receivable can become the object of fiduciary. Meaning broadly receivables is billed for everything good company right form of money, goods or services of third parties after the company perform its obligations. This study aims to analyze what the characteristics of the receivables on behalf of the object and how the binding of fiduciary accounts in the name of fiduciary as an object. Of research results and approaches in the Statute approac and conseptual approach shows that the receivables on behalf of an object can be used as collateral as provided in article 1, paragraph 4 in conjunction with article 9, paragraph 1 of fiduciary law number 42 of 1999. Receivables on behalf of the receivables in question is a cooperative of cooperative members, as the object of receivables on behalf of the fiduciary has different characteristics from objects on the guarantees (hak tanggungan, hipotik, gadai). In agreement fiduciary objects should remain in control of fiduciary debtor But the fiduciary accounts on behalf of the moving objects are intangible, not registered, can not be shared, can not be traded and can not be controlled physically, mastery of receivables is still in the hands of the debtor, because fiduciary remain in control (use of) security provider has no meaning, as the recipient bank fiduciary to fiduciary rights holders that have a direct relationship (attached) with the receivables on behalf of the cooperative who has the power eksekutorial and can be maintained against any person if it has been registered and issued certificates so that the fiduciary requirements and the time of submission on behalf of the cooperative ownership of receivables to the bank at the latest at the time of registration fiduciary Considering the use of receivables on behalf of as an object of high-risk assurance, therefore, to protect the interests of guarantee bank receiver, the giver must insure the security object to the insurance company guarantees that approved banks against losses in the amount of insurance is the closure of the real value of the collateral and make up date of such bills receivable as collateral